By Helgi Library - March 4, 2020
Trust Finance Indonesia made a net profit of IDR 5.45 bil under revenues of IDR 11.6 bil in the third quarter of 2019, up 30.9% and ...
By Helgi Library - March 4, 2020
Trust Finance Indonesia made a net profit of IDR 5.45 bil under revenues of IDR 11.6 bil in the third quarter of 2019, up 30.9% and ...
By Helgi Library - March 4, 2020
Trust Finance Indonesia stock traded at IDR 354 per share at the end third quarter of 2019 implying a market capitalization of USD 20.0 mil. ...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | IDR bil | 28.7 | 34.1 | 40.9 |
| Net Fee Income | IDR bil | 0 | 0 | 0 |
| Other Income | IDR bil | 2.62 | 2.27 | 0.840 |
| Total Revenues | IDR bil | 31.3 | 36.4 | 41.7 |
| Staff Cost | IDR bil | 11.3 | 12.2 | 12.2 |
| Operating Profit | IDR bil | 13.3 | 17.0 | 23.0 |
| Provisions | IDR bil | 0 | 0 | 0 |
| Net Profit | IDR bil | 10.6 | 13.3 | 17.6 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Customer Loans | IDR bil | 130 | 217 | 249 |
| Total Assets | IDR bil | 268 | 282 | 311 |
| Shareholders' Equity | IDR bil | 235 | 249 | 267 |
| Interbank Borrowing | IDR bil | 0 | 8.39 | 25.6 |
| Customer Deposits | IDR bil | 0 | 0 | 0 |
| Issued Debt Securities | IDR bil | 0 | 0 | 0 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 4.64 | 5.51 | 6.84 |
| ROA | % | 3.82 | 4.85 | 5.95 |
| Costs (As % Of Assets) | % | 6.46 | 7.07 | 6.33 |
| Costs (As % Of Income) | % | 57.4 | 53.4 | 45.0 |
| Net Interest Margin | % | 10.3 | 12.4 | 13.8 |
| NPLs (As % Of Loans) | % | ... | ... | ... |
| Provisions (As % Of NPLs) | % | ... | ... | ... |
| Valuation | 2016 | 2017 | 2018 | |
| Price/Earnings (P/E) | 14.4 | 7.79 | 12.3 | |
| Price/Book Value (P/BV) | 0.653 | 0.418 | 0.816 | |
| Dividend Yield | % | 0 | 0 | ... |
| Earnings Per Share (EPS) | IDR | 13.3 | 16.7 | 22.0 |
| Book Value Per Share | IDR | 294 | 311 | 333 |
| Dividend Per Share | IDR | 0 | 0 | ... |
Get all company financials in excel:
| summary | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||||||||||||||
| Net Interest Income | IDR bil | 43.4 | 35.7 | 27.8 | 26.4 | 28.7 | |||||||||||||||
| Total Revenues | IDR bil | 49.6 | 41.3 | 33.2 | 30.5 | 31.3 | |||||||||||||||
| Operating Profit | IDR bil | 28.9 | 20.9 | 13.5 | 11.2 | 13.3 | |||||||||||||||
| Net Profit | IDR bil | 21.6 | 15.7 | 10.1 | 9.49 | 10.6 | |||||||||||||||
| balance sheet | |||||||||||||||||||||
| Customer Loans | IDR bil | 404 | 317 | 242 | 254 | 130 | |||||||||||||||
| Total Assets | IDR bil | 421 | 336 | 267 | 289 | 268 | |||||||||||||||
| Shareholders' Equity | IDR bil | 188 | 204 | 213 | 224 | 235 | |||||||||||||||
| Interbank Borrowing | IDR bil | 214 | 110 | 18.3 | 8.29 | 0 | |||||||||||||||
| Customer Deposits | IDR bil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||
| Issued Debt Securities | IDR bil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||
| ratios | |||||||||||||||||||||
| ROE | % | ... | 12.2 | 8.00 | 4.87 | 4.34 | 4.64 | ||||||||||||||
| ROA | % | ... | 5.27 | 4.14 | 3.37 | 3.41 | 3.82 | ||||||||||||||
| Costs (As % Of Assets) | % | ... | 5.05 | 5.40 | 6.54 | 6.97 | 6.46 | ||||||||||||||
| Costs (As % Of Income) | % | 41.7 | 49.5 | 59.4 | 63.5 | 57.4 | |||||||||||||||
| Net Interest Margin | % | ... | 10.6 | 9.43 | 9.22 | 9.49 | 10.3 | ||||||||||||||
| Interest Income (As % Of Revenues) | % | 87.5 | 86.4 | 83.8 | 86.4 | 91.6 | |||||||||||||||
| Fee Income (As % Of Revenues) | % | -0.272 | 0 | 0 | 0 | 0 | |||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 61.2 | 67.9 | 58.1 | 63.5 | 62.8 | |||||||||||||||
| Equity (As % Of Assets) | % | 44.7 | 60.6 | 79.9 | 77.5 | 87.6 | |||||||||||||||
| Loans (As % Assets) | % | 95.9 | 94.3 | 90.7 | 87.9 | 48.5 | |||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | 0.017 | 0.022 | 0.029 | 0.027 | ... | ... | ... | |||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | 51,985 | 33,539 | 30,717 | 31,550 | ... | ... | ... | |||||||||
| valuation | |||||||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | ... | ... | ... | ... | 21.2 | 14.3 | 27.3 | 11.4 | 11.3 | ||||||||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 800 | 1,600 | 800 | 800 | ||
| Share Price (End Of Period) | IDR | ... | ... | ... | 255 | 218 | 211 | 198 | 192 | ||||||||||||
| Earnings Per Share (EPS) | IDR | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 19.6 | 6.34 | 11.9 | 13.3 | ||
| Book Value Per Share | IDR | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 255 | 133 | 280 | 294 | ||
| Dividend Per Share | IDR | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ... | |||||||||||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11.1 | 33.3 | 16.7 | 14.4 | |||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.856 | 1.58 | 0.706 | 0.653 | |||
| Dividend Yield | % | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ... | |||||||||||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -67.6 | 87.1 | 12.2 | ||
| Book Value Per Share Growth | % | ... | -12.1 | -17.8 | -47.7 | 110 | 4.84 |
| income statement | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||||||||||||||
| Interest Income | IDR bil | 72.4 | 55.3 | 37.1 | 30.9 | 33.0 | |||||||||||||||
| Interest Cost | IDR bil | 29.0 | 19.6 | 9.29 | 4.55 | 4.30 | |||||||||||||||
| Net Interest Income | IDR bil | 43.4 | 35.7 | 27.8 | 26.4 | 28.7 | |||||||||||||||
| Net Fee Income | IDR bil | -0.135 | 0 | 0 | 0 | 0 | |||||||||||||||
| Other Income | IDR bil | 6.34 | 5.61 | 5.39 | 4.15 | 2.62 | |||||||||||||||
| Total Revenues | IDR bil | 49.6 | 41.3 | 33.2 | 30.5 | 31.3 | |||||||||||||||
| Staff Cost | IDR bil | 12.7 | 13.9 | 11.4 | 12.3 | 11.3 | |||||||||||||||
| Depreciation | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.67 | ||
| Other Cost | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.03 | ||
| Operating Cost | IDR bil | 20.7 | 20.4 | 19.7 | 19.4 | 18.0 | |||||||||||||||
| Operating Profit | IDR bil | 28.9 | 20.9 | 13.5 | 11.2 | 13.3 | |||||||||||||||
| Provisions | IDR bil | 0.065 | 0 | 0 | 0 | 0 | |||||||||||||||
| Extra and Other Cost | IDR bil | 0.135 | 0 | 0 | < 0.001 | 0 | |||||||||||||||
| Pre-Tax Profit | IDR bil | 28.7 | 20.9 | 13.5 | 11.2 | 13.3 | |||||||||||||||
| Tax | IDR bil | 7.16 | 5.20 | 3.33 | 1.67 | 2.70 | |||||||||||||||
| Minorities | IDR bil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||
| Net Profit | IDR bil | 21.6 | 15.7 | 10.1 | 9.49 | 10.6 | |||||||||||||||
| Dividends | IDR bil | 0 | 0 | 0 | 0 | 0 | ... | ||||||||||||||
| growth rates | |||||||||||||||||||||
| Net Interest Income Growth | % | ... | -12.1 | -17.8 | -22.1 | -5.04 | 8.85 | ||||||||||||||
| Net Fee Income Growth | % | ... | 23.3 | -100 | ... | ... | ... | ... | ... | ||||||||||||
| Total Revenue Growth | % | ... | -0.087 | -16.8 | -19.7 | -7.94 | 2.62 | ||||||||||||||
| Operating Cost Growth | % | ... | 1.05 | -1.18 | -3.59 | -1.63 | -7.14 | ||||||||||||||
| Operating Profit Growth | % | ... | -0.881 | -27.9 | -35.4 | -17.2 | 19.6 | ||||||||||||||
| Pre-Tax Profit Growth | % | ... | 1.49 | -27.4 | -35.4 | -17.2 | 19.6 | ||||||||||||||
| Net Profit Growth | % | ... | 1.51 | -27.4 | -35.3 | -6.43 | 12.2 | ||||||||||||||
| market share | |||||||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | ... | ... | ... | 0.016 | 0.012 | 0.008 | 0.007 | 0.006 | ... | ||||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | 0.022 | 0.014 | 0.009 | 0.010 | 0.011 | ... |
| balance sheet | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | |||||||||||||||||||||
| Cash | IDR bil | 5.40 | 10.0 | 17.0 | 27.7 | 46.6 | |||||||||||||||
| Customer Loans | IDR bil | 404 | 317 | 242 | 254 | 130 | |||||||||||||||
| Retail Loans | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 154 | ||
| Fixed Assets | IDR bil | 11.2 | 8.31 | 7.06 | 5.69 | 9.06 | |||||||||||||||
| Intangible Assets | IDR bil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||
| Goodwill | IDR bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | ||
| Total Assets | IDR bil | 421 | 336 | 267 | 289 | 268 | |||||||||||||||
| Shareholders' Equity | IDR bil | 188 | 204 | 213 | 224 | 235 | |||||||||||||||
| Of Which Minority Interest | IDR bil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||
| Liabilities | IDR bil | 233 | 132 | 53.7 | 65.1 | 33.1 | |||||||||||||||
| Interbank Borrowing | IDR bil | 214 | 110 | 18.3 | 8.29 | 0 | |||||||||||||||
| Customer Deposits | IDR bil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||
| Issued Debt Securities | IDR bil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||
| Other Liabilities | IDR bil | 18.5 | 21.8 | 35.4 | 56.8 | 33.1 | |||||||||||||||
| asset quality | |||||||||||||||||||||
| Non-Performing Loans | IDR bil | ... | ... | ... | ... | 0.076 | 0.076 | 0.076 | 0.076 | ... | ... | ... | |||||||||
| Gross Loans | IDR bil | 443 | 342 | 266 | 279 | 154 | |||||||||||||||
| Total Provisions | IDR bil | 39.7 | 25.6 | 23.5 | 24.1 | 23.3 | |||||||||||||||
| growth rates | |||||||||||||||||||||
| Customer Loan Growth | % | ... | 5.73 | -21.5 | -23.6 | 5.08 | -48.8 | ||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Total Asset Growth | % | ... | 5.72 | -20.2 | -20.6 | 8.45 | -7.28 | ||||||||||||||
| Shareholders' Equity Growth | % | ... | 13.0 | 8.34 | 4.65 | 5.24 | 4.84 | ||||||||||||||
| market share | |||||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | ... | ... | ... | 0.014 | 0.009 | 0.006 | 0.006 | 0.003 | ... | |||||||||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.007 | ... | |
| Market Share in Total Assets | % | 0.010 | 0.007 | 0.005 | 0.005 | 0.004 | ... | ||||||||||||||
| Market Share in Customer Deposits | % | 0 | 0 | 0 | 0 | 0 | ... |
| ratios | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | |||||||||||||||||||||
| ROE | % | ... | 12.2 | 8.00 | 4.87 | 4.34 | 4.64 | ||||||||||||||
| ROA | % | ... | 5.27 | 4.14 | 3.37 | 3.41 | 3.82 | ||||||||||||||
| Costs (As % Of Assets) | % | ... | 5.05 | 5.40 | 6.54 | 6.97 | 6.46 | ||||||||||||||
| Costs (As % Of Income) | % | 41.7 | 49.5 | 59.4 | 63.5 | 57.4 | |||||||||||||||
| Net Interest Margin | % | ... | 10.6 | 9.43 | 9.22 | 9.49 | 10.3 | ||||||||||||||
| Interest Spread | % | ... | 5.19 | 3.88 | 2.32 | 3.47 | 3.09 | ||||||||||||||
| Asset Yield | % | ... | 17.7 | 14.6 | 12.3 | 11.1 | 11.8 | ||||||||||||||
| Cost Of Liabilities | % | ... | 12.5 | 10.7 | 9.99 | 7.65 | 8.76 | ||||||||||||||
| Payout Ratio | % | 0 | 0 | 0 | 0 | 0 | ... | ||||||||||||||
| Interest Income (As % Of Revenues) | % | 87.5 | 86.4 | 83.8 | 86.4 | 91.6 | |||||||||||||||
| Fee Income (As % Of Revenues) | % | -0.272 | 0 | 0 | 0 | 0 | |||||||||||||||
| Other Income (As % Of Revenues) | % | 12.8 | 13.6 | 16.2 | 13.6 | 8.35 | |||||||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | 1,293 | 1,181 | 836 | 825 | 935 | ||||||||||||
| Cost Per Employee (Local Currency) | IDR per month | ... | ... | ... | 12,128,000 | 12,301,000 | 10,259,700 | 10,800,300 | 12,725,100 | ||||||||||||
| Staff Cost (As % Of Total Cost) | % | 61.2 | 67.9 | 58.1 | 63.5 | 62.8 | |||||||||||||||
| Equity (As % Of Assets) | % | 44.7 | 60.6 | 79.9 | 77.5 | 87.6 | |||||||||||||||
| Loans (As % Assets) | % | 95.9 | 94.3 | 90.7 | 87.9 | 48.5 | |||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | 0.017 | 0.022 | 0.029 | 0.027 | ... | ... | ... | |||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | 51,985 | 33,539 | 30,717 | 31,550 | ... | ... | ... | |||||||||
| Provisions (As % Of Loans) | % | 9.84 | 8.09 | 9.69 | 9.47 | 17.9 | |||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 0.016 | 0 | 0 | 0 | 0 |
| other data | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | |||||||||||||||||||||
| Employees | ... | ... | ... | 87.0 | 94.0 | 93.0 | 95.0 | 74.0 | |||||||||||||
| Return on Loans | % | 5.49 | 4.35 | 3.63 | 3.82 | 5.54 | |||||||||||||||
| Operating Profit (As % of Loans) | % | ... | 7.37 | 5.79 | 4.82 | 4.50 | 6.94 | ||||||||||||||
| Costs (As % Of Loans) | % | ... | 5.27 | 5.67 | 7.05 | 7.81 | 9.36 | ||||||||||||||
| Equity (As % Of Loans) | % | 46.6 | 64.3 | 88.0 | 88.2 | 181 |
Get all company financials in excel:
By Helgi Library - March 4, 2020
Trust Finance Indonesia stock traded at IDR 354 per share at the end third quarter of 2019 implying a market capitalization of USD 20.0 mil. Since the end of 3Q2014, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value...
By Helgi Library - March 4, 2020
Trust Finance Indonesia's customer deposits reached IDR 0 bil in 2016-09-30, down 0% compared to the previous year. Indonesian banking sector accepted customer deposits of IDR 4,301,214 bil in 2016-09-30, up 0.514% when compared to the last year. Trust Fi...
By Helgi Library - March 4, 2020
Trust Finance Indonesia's customer deposits reached IDR 0 bil in 2016-09-30, down 0% compared to the previous year. Indonesian banking sector accepted customer deposits of IDR 4,301,214 bil in 2016-09-30, up 0.514% when compared to the last year. Trust Fi...
By Helgi Library - March 4, 2020
Trust Finance Indonesia's net interest margin amounted to 14.4% in the third quarter of 2019, down from 16.8% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 22.6% in 4Q2009 and an all time low ...
By Helgi Library - March 4, 2020
Trust Finance Indonesia's net interest margin amounted to 14.4% in the third quarter of 2019, down from 16.8% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 22.6% in 4Q2009 and an all time low ...
By Helgi Library - March 4, 2020
Trust Finance Indonesia stock traded at IDR 354 per share at the end of third quarter of 2019 implying a market capitalization of USD 20.0 mil. Over the last five years, the stock has appreciated by 0 implying an annual average growth of 0% In absolute te...
By Helgi Library - March 4, 2020
Trust Finance Indonesia stock traded at IDR 354 per share at the end of third quarter of 2019 implying a market capitalization of USD 20.0 mil. Over the last five years, the stock has appreciated by 0 implying an annual average growth of 0% In absolute te...
By Helgi Library - March 4, 2020
Trust Finance Indonesia's Equity reached 90.8% of total assets in the 3Q2019, up from 86.7% for the previous year. As a share of net customer loans, the ratio amounted to 118% at the end of the third quarter of 2019. ...
By Helgi Library - March 4, 2020
Trust Finance Indonesia's Equity reached 90.8% of total assets in the 3Q2019, up from 86.7% for the previous year. As a share of net customer loans, the ratio amounted to 118% at the end of the third quarter of 2019. ...
By Helgi Library - March 4, 2020
Trust Finance Indonesia generated total banking revenues of IDR 11.6 bil in the third quarter of 2019, up 18.5% when compared to the same period of last year and down 9.72% when compared to the previous quarter. Historically, the bank’s revenues c...
Trust Finance Indonesia has been growing its revenues and asset by 11.0% and 2.44% a year on average in the last 3 years. Its loans and deposits have grown by -0.747% and % a year during that time and loans to deposits ratio reached at the end of 2018. The company achieved an average return on equity of 5.66% in the last three years with net profit growing 22.9% a year on average. In terms of operating efficiency, its cost to income ratio reached 45.0% in 2018, compared to 51.9% average in the last three years.
Equity represented 85.7% of total assets or 107% of loans at the end of 2018. Trust Finance Indonesia's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2018.
Trust Finance Indonesia stock traded at IDR 272 per share at the end of 2018 resulting in a market capitalization of USD 15.1 mil. Over the previous five years, stock price rose by 24.8% or 4.53% a year on average. That’s compared to an average ROE of 5.24% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 12.3x and price to book value (PBV) of 0.816x in 2018.
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